Jumbo loans
Financing above standard loan limits, common in NoVA price ranges.
A jumbo loan is a mortgage for an amount higher than the standard conforming loan limit. In a lot of Northern Virginia, especially areas like McLean, Arlington, and parts of Fairfax, normal homes can land above that limit, so jumbo financing is routine here, not exotic. Because the loan amounts are larger, lenders look more closely at credit, reserves, and documentation.
- 01Buyers in higher-priced NoVA neighborhoods
- 02Move-up buyers purchasing above the conforming limit
- 03Borrowers with strong credit and reserves
Higher loan amounts
Jumbo covers purchases above the conforming limit. We confirm exactly where that line sits for your county and price.
Stronger file required
Expect a closer look at credit, income, and reserves. I'll tell you up front what underwriting will want to see.
Fixed or adjustable
Jumbo comes in fixed and adjustable versions, same as conventional. We match it to your plans.
Jumbo loans, answered.
- At what price does a loan become jumbo?
- It's tied to the conforming loan limit, which changes by year and county. In much of NoVA the threshold is higher than the national baseline. I'll tell you the exact number for your target area.
- Is a jumbo loan harder to get?
- It asks for a stronger file, more reserves and tighter documentation, but it's routine in this market. We prepare the file so there are no surprises.
That's what the first call is for.
Tell me your situation and I'll tell you which programs actually fit. Ten to fifteen minutes, no paperwork.
This page is general information about loan programs, not a commitment to lend or an offer of credit. Program availability, terms, and qualification depend on your situation and are subject to underwriting approval. Tareq Maayta, NMLS #1443073. Loans through Finance USA Corporation, NMLS #135625. Equal Housing Opportunity.